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Home Insurance | HomeSafe Protection Plus

Home Insurance that Fully Protects Your Home and Belongings

Your home is one of the most valuable assets in your life — a cozy haven you have built with care, filled with cherished moments and memories. To safeguard against unexpected household incidents such as typhoons, water damage, fire, or burglary, a comprehensive Home Insurance plan is essential. It helps you protect your family and your home with peace of mind.

FAQ

Comprehensive Guide to Home Insurance
Whether you are a homeowner or a tenant, choosing the right home insurance plan helps reduce the financial risks arising from unexpected incidents.
"Home Insurance protects your home and personal belongings against water damage, burglary, and accidental loss, and may also include third-party liability coverage. However, fire insurance is typically not included in standard home insurance and usually requires separate purchase to ensure comprehensive protection."
Fire insurance mainly covers the building structure (e.g. walls, floors, ceilings, doors). Home insurance, on the other hand, covers the contents inside the unit (e.g. furniture, appliances, and personal belongings) and also includes third party liability coverage.
It is recommended that tenants purchase home insurance. The fire insurance and / or home insurance purchased by the landlord only covers the building structure and / or household contents owned by landlord and does not cover the tenant’s property inside the unit. If an accident occurs that damages household items owned by the tenant, the tenant have to bear the loss themselves. In addition, the tenant will be legally liable if the tenant’s negligence results in damage to the neighbouring properties. In such cases, the third party liability coverage in home insurance can play an important role in protecting the tenant.
It covers the legal liability of the insured and their household members for the third party’s bodily injury or property damage due to negligence. Examples include water leakage from your home damaging the renovation of the unit on lower floor, or a window falling from your home and injuring a passerby.

What type of home protection do you need?

Answer a few simple questions and we will recommend the most suitable plan for you.

Match Your “Home Insurance Formula”

Not sure what type of coverage you need? Don’t worry! Start this simple quiz and we’ll help you identify the most suitable insurance plan for your home and your lifestyle, giving you greater peace of mind.
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How to choose Home Insurance?*

HomeSafe Protection Plus
Comprehensive Protection, Deluxe Option
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Building Age of the Insured Premises up to 60 years^
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Tailor-made plans available for landlords
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Coverage for Household Contents up to HK$3,000,000
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Coverage for Public Liability up to HK$20,000,000
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Cover Contents in the Open Area and Specified Electronic Products (Worldwide cover)#
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Alternative Accommodation and Meal Allowance covers the insured, insured household and their pets
From
HK$ 675. 00
HomeSafe Protection
Standard Protection, Affordable Alternative
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Building Age of the Insured Premises up to 45years^
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Worldwide cover for Personal Effects and Valuables
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Coverage for Household Contents up to HK$1,200,000
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Coverage for Public Liability up to HK$10,000,000
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Alternative Accommodation and Meal Allowance covers the insured and insured household
From
HK$ 336. 00
HomeSafe Protection Plus
Comprehensive Protection, Deluxe Option
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Building Age of the Insured Premises up to 60 years^
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Tailor-made plans available for landlords
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Coverage for Household Contents up to HK$3,000,000
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Coverage for Public Liability up to HK$20,000,000
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Cover Contents in the Open Area and Specified Electronic Products (Worldwide cover)#
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Alternative Accommodation and Meal Allowance covers the insured, insured household and their pets
From
HK$ 675. 00
HomeSafe Protection
Standard Protection, Affordable Alternative
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Building Age of the Insured Premises up to 45years^
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Worldwide cover for Personal Effects and Valuables
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Coverage for Household Contents up to HK$1,200,000
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Coverage for Public Liability up to HK$10,000,000
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Alternative Accommodation and Meal Allowance covers the insured and insured household
From
HK$ 336. 00
*The product benefit items and maximum benefit limit is subject to the selected plan. Please refer to the product brochure for more details of the benefit items.
^ For insured premises with building age over 60 years (applicable to HomeSafe Protection Plus) or 45 years (applicable to HomeSafe Protection), excess is subject to Blue Cross’s prior approval.
# Contents in the Open Area cover outdoor furniture, washing machine, refrigerator which are contained in balconies. Specified Electronic Products covers mobile phone, tablet computer/laptop computer.
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